Pending·52 days on market
3005 Tunica Trail
Middleburg, FL 32068
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Middleburg
Welcome Home to this charming, freshly updated home in an established neighborhood. The home has newer Luxury Vinyl flooring throughout, granite counter tops, fresh paint, and stainless-steel appliances. The huge primary bedroom has a walk-in closet and on-suite bathroom. The large great room has a lovely stone fireplace and overlooks an incredible backyard, ready for entertaining and family fun. The fenced backyard is on a beautiful pond and includes a large three season porch, pergola, and new firepit! This property is located with quick access to the new First Coast Expresway, shopping and 'A' rated schools K-12
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 1995)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,743 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $1,965/yr
Estimated taxes if purchased at asking price: ~$5,400/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Aug 27, 2026Pending$295,000
- Aug 20, 2026Active$295,000
- Aug 18, 2026Listed$295,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $199/sq ft; this home is listed at $202/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2990 Tunica Trail, Middleburg, FL 32068Listed by COLDWELL BANKER VANGUARD REALTY | Oct 2026 | $285,000 | $161 | 4/2 | 1,770 | 41 | 0.1 |
| 1976 Timucua Trail, Middleburg, FL 32068Listed by KELLER WILLIAMS JACKSONVILLE | Sep 2026 | $245,000 | $133 | 4/2 | 1,836 | 27 | 0.2 |
| 2995 Tuscarora Trail, Middleburg, FL 32068Listed by LOWEST FEE REALTY LLC | Aug 2026 | $315,500 | $178 | 4/2 | 1,770 | 46 | 0.2 |
| 1807 Shannon Lake Drive, Middleburg, FL 32068Listed by HASSLE-FREE REALTY LLC | Aug 2026 | $240,000 | $219 | 3/2 | 1,096 | 48 | 0.6 |
| 1832 Blarney Circle, Middleburg, FL 32068Listed by OPENDOOR BROKERAGE, LLC. | Aug 2026 | $235,000 | $208 | 3/2 | 1,128 | 16 | 0.6 |
| 1790 Killarn Circle, Middleburg, FL 32068Listed by THE NEWCOMER GROUP | Sep 2026 | $215,000 | $199 | 3/2 | 1,080 | 94 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
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